How much of your own money are you using to buy in to your own small business ownership? As you seek start up loans each lender you approach will end up with a percentage of ownership in your business or as a creditor with a guarantee for repayment backed by your personal assets. You need to approach your own contribution to start up funding the same as each potential outside or family funding source does.
Are you going to be a 100% owner with no outside funding? Do you intend to take on partners, investors or shareholders? Is debt financing the right way to go? In all cases your own resources will be required to prime the pump of equity and debt financing.
If you won't back your small business start up idea with your own money you effectively hold a 0% share in commitment to success and profit. A lender or creditor won't commit unless you do. How much of your small business start up have you really bought into?